Citizens Access vs. Go2bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of Citizens Access™ vs. GO2bank
Key Metrics at a Glance
| Feature | Citizens Access™ | GO2bank |
|---|---|---|
| Top Savings APY | 3.50% Citizens Access® Savings | 4.50% High Yield Savings |
| Minimum to Open | $0.01 | $0 |
| Minimum Balance for Top APY | $0.01 | $0 |
| Note | The 4.50% APY is up to 5,000. Balances above that earn no interest. |
Citizens Access™
Strengths
- Citizens Access™ offers a competitive APY of 3.50%.
- Citizens Access™ has an excellent BBB rating of A+.
- No maintenance fees for Citizens Access™ savings account.
Potential Drawbacks
- Citizens Access™ does not offer a direct deposit option.
GO2bank
Strengths
- GO2bank provides a higher APY of 4.50%.
- GO2bank allows a minimum deposit of $0.
Potential Drawbacks
- GO2bank has a poor BBB rating of F and is not accredited.
- GO2bank charges a $5 monthly fee unless direct deposit is set up.
→ As of October 16, 2025 Citizens Access™ offers an APY of 3.50% for its Citizens Access® Savings account, with a minimum balance of $0.01, compared to GO2bank's 4.50% APY for its High Yield Savings account, with a minimum balance of $0.
→ Citizens Access™ yields $125 more than GO2bank on a $10,000 balance after one year. Citizens Access™ pays $350, while GO2bank pays $225 (with an effective APY of 2.25%) - an APY advantage for Citizens Access™.
Calculate Savings Growth for Citizens Access™ vs GO2bank
Citizens Access™
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewGO2bank
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,230.9 (6.40%)
- Total contributions: $13,000 (67.60%)
- Initial deposit: $5,000 (26.00%)
Your total balance
$19,230.90
Total balance: $19,230.9
Earnings: $1,230.9
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citizens Access™'s total earnings would be $883.2 higher than GO2bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citizens Access™'s vs GO2bank's Savings Accounts
| Citizens Access™ | GO2bank | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | High Yield Savings |
| APY | 3.50% (as of 10/16/2025) | 0.00% - 4.50% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Quarterly | |
| Minimum Deposit | $0.01 | $0 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $5 per month, unless you set up direct deposit | |
| Direct Deposit Required | No | No | |
| Note | The 4.50% APY is up to 5,000. Balances above that earn no interest. | ||
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.8/5 | 4.6/5 | |
| BBB Rating | A+ | F |
Comparative Historical APY Insights (Last 2 Months)
| Citizens Access™ | GO2bank | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | High Yield Savings |
| Latest APY | 3.50 % | 4.50 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | |
| Days Since Last Change | 71 | 71 | |
| High (-2 m) | 3.50 % | 4.50 % | |
| Low (-2 m) | 3.50 % | 4.50 % | |
| Draw-down from High | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 2 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-2 m)
- Highest APY in the last 72 days.
- Low (-2 m)
- Lowest APY in the last 72 days.
- Draw-down from High
- How far today sits below the 2-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.